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A high-flying portfolio that confuses tech enthusiasm with diversification

Report created on May 27, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

This portfolio screams "I love the S&P 500 and tech stocks, and I think silver is the new gold." Allocating a whopping 72% to an S&P 500 ETF might seem like playing it safe until you realize it's like putting all your eggs in one basket and then asking a tech giant to hold it. Adding in specific tech giants and a splash of silver doesn't diversify; it just makes the portfolio a quirky mix of mainstream and wishful thinking. It's like ordering a vanilla ice cream and then throwing on a couple of exotic toppings to make it seem adventurous.

Growth Info

Historically, this portfolio has ridden the tech wave with a CAGR of 15.82%, which looks impressive until you realize it's basically just shadowing the broader market's tech-led rally. The -28.26% max drawdown is a stark reminder that what goes up can come crashing down, especially when your portfolio is strapped to the rocketship that is tech stocks. It's like enjoying the rollercoaster until you remember you get motion sickness.

Projection Info

Monte Carlo simulations predict a wild ride, with a median 618.8% increase that could make you think you're on the path to riches. But let's remember, Monte Carlo is more about probabilities than guarantees, like betting on rain in London; likely, but not certain. With simulations showing a possible -49.2% on the downside, it's a reminder that the future could be as volatile as a teenager's mood swings.

Asset classes Info

  • Stocks
    90%
  • Other
    9%
  • No data
    1%

With 90% in stocks and a fascination with silver, this portfolio is like that friend who only ever talks about two topics. Stocks, particularly tech, are the main show, but putting 9% in silver is like diversifying your diet by adding ketchup to everything. It's technically a change, but not really the nutritional balance dieticians recommend.

Sectors Info

  • Technology
    32%
  • Consumer Discretionary
    10%
  • Financials
    10%
  • Telecommunications
    9%
  • Health Care
    8%
  • Industrials
    8%
  • Consumer Staples
    5%
  • Energy
    2%
  • Utilities
    2%
  • Real Estate
    2%
  • Basic Materials
    1%
  • No data
    1%

A 32% allocation to technology is like having a diet consisting mainly of pizza; it's great until it isn't. Consumer cyclicals and financial services round out the top three, but with tech taking up so much space, it's like planning an entire party around the dessert table. Yes, it's fun and exciting, but where's the balance?

Regions Info

  • North America
    90%
  • No data
    1%

With 90% in North America, this portfolio has a serious home bias, like thinking the best cuisine in the world is found only in your hometown. It's comfortable and familiar, but ignoring the rest of the world's flavors means missing out on potentially rewarding experiences. It's time to get a passport and explore.

Market capitalization Info

  • Mega-cap
    49%
  • Large-cap
    25%
  • Mid-cap
    15%
  • No data
    1%

A heavy tilt towards mega and big caps shows a preference for the industry's giants, akin to only watching blockbuster movies. Sure, they're entertaining and have big names, but you're missing out on the indie films that could be groundbreaking. It's a safe play but hardly an adventurous one.

Redundant positions Info

  • SPDR S&P 500 ETF Trust
    SPDR® Portfolio S&P 500 Growth ETF
    High correlation

The correlation between the S&P 500 ETF and the S&P 500 Growth ETF is like owning two different brands of vanilla ice cream. Sure, they're slightly different, but in the grand scheme of things, they're filling the same spot in your freezer. It's a missed opportunity for real diversification, like having two types of vanilla instead of complementing it with chocolate.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

The portfolio's version of optimization seems to be "more tech, please," missing the mark on what true efficiency looks like. An optimal portfolio doesn't just chase the latest hot stock but balances risk and return. It's like balancing your diet; sure, pizza is great, but you also need vegetables. Aiming for a risk level of 2.01% with a return of 4.74% shows there's room to cut down on the tech feast and add some financial vegetables to the plate.

Dividends Info

  • Alphabet Inc Class A 0.50%
  • Microsoft Corporation 0.50%
  • Fidelity® Government Money Market Fund 4.50%
  • SPDR S&P 500 ETF Trust 1.20%
  • SPDR® Portfolio S&P 500 Growth ETF 0.60%
  • Weighted yield (per year) 0.96%

Relying on dividends from this set-up is like expecting a Chihuahua to pull a sled. Yes, there's some income from Alphabet and Microsoft, but with an overall yield under 1%, it's hardly going to fund a lavish retirement. It's more of a consolation prize than a strategy.

Ongoing product costs Info

  • iShares Silver Trust 0.50%
  • SPDR S&P 500 ETF Trust 0.10%
  • SPDR® Portfolio S&P 500 Growth ETF 0.04%
  • Weighted costs total (per year) 0.12%

The portfolio's costs are like a small leak in a big ship; not immediately disastrous, but why let it continue? With total fees at 0.12%, it's low, especially given the tech-heavy tilt, but even small costs can erode gains over time. It's like paying for a gym membership you rarely use; it doesn't seem like much, but it adds up.

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